Stock Yards Bancorp (SYBT) Company presentation summary

Company overview and market presence

• Headquartered in Louisville, KY, with 75 locations across Kentucky, Indianapolis, and Cincinnati MSAs, and $9.5 billion in assets as of December 31, 2025.

• Wealth management and trust assets under management reached $7.6 billion at year-end 2025.

• Recently expanded into South Central and Western Kentucky, enhancing growth opportunities.

Financial performance and growth

• Net income grew at a 14% CAGR and earnings per share at 13% CAGR from 1991 to 2025.

• 2025 net interest income was $300.3 million, with net income of $140.2 million and diluted EPS of $4.75.

• Net interest margin improved to 3.53% in 2025, with average loans rising each quarter.

• Return on average assets was 1.53% and return on average equity was 14.0% in 2025.

Operational efficiency and asset quality

• Efficiency ratio improved to 53.6% in 2025, reflecting ongoing investment in technology and branch expansion.

• Asset quality remained strong, with low net charge-offs and a robust allowance for credit losses.